Summary
Samenvatting - financiële producten (verzekeren)
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Dit is een samenvatting van het tweedejaars vak 'financiële producten' van het deel 'verzekeren'. Gevolgd aan Hogeschool PXL
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InhoudsopgaveH12: verzekeren............................................................................................................... 3
Inleiding.......................................................................................................................... 3
1. Indeling van verzekeringsbedrijf...................................................................................3
1.1 Activiteiten ‘leven’.......................................................................................................................... 3
1.2 Activiteiten ‘BOAR’ of activiteiten ‘niet-leven’................................................................................3
2. Wet verzekeringen 4 april 2014 (BS 30/04/2014)............................................................3
2.1 Situering......................................................................................................................................... 3
2.3 Structuur........................................................................................................................................ 4
2.4 Verzekeringscontract...................................................................................................................... 4
2.4.1 Wettelijke definitie................................................................................................................... 4
2.4.2 Essentiële bestanddelen van verzekeringscontract..................................................................5
2.4.3 Partijen in contract................................................................................................................... 5
2.5 Verplichtingen verzekeringnemer/verzekerde................................................................................6
2.5.1 Mededelingsplicht.................................................................................................................... 6
2.5.2 Premie betalen......................................................................................................................... 6
2.5.3 Wijzigingen aan risico meedelen.............................................................................................. 6
2.5.4 Voorkomen en beperken van schade........................................................................................ 6
2.5.5 Schadegeval tijdig melden....................................................................................................... 6
2.6 Totstandkoming van verzekeringscontract.....................................................................................6
2.6.1 Verzekeringsvoorstel................................................................................................................ 6
2.6.2 Verzekeringsaanvraag.............................................................................................................. 6
2.6.3 Vooraf getekende polis............................................................................................................. 6
2.7 Looptijd verzekeringscontract........................................................................................................ 6
2.8 Stopzetting verzekeringscontract................................................................................................... 7
3. Verzekeringsdistributie................................................................................................. 7
3.1 Distributiekanalen.......................................................................................................................... 7
3.1.1 Niet-exclusieve verzekeringsnetwerken...................................................................................7
3.1.2 Exclusieve verzekeringsnetwerken zonder bankactiviteiten.....................................................7
3.1.3 Bankverzekering...................................................................................................................... 7
3.1.4 Directe distributie (zonder tussenpersonen)............................................................................7
4. Enkele organisaties....................................................................................................... 7
4.1 Commissie voor verzekeringen....................................................................................................... 7
4.2 Datassur......................................................................................................................................... 7
4.2.1 RSR-bestand............................................................................................................................. 7
4.3 Tariferingsbureau BA Auto.............................................................................................................. 8
4.4 Gemeenschappelijk motowaarborgfonds........................................................................................8
5. Diverse begrippen........................................................................................................ 8
5.1 Herverzekering............................................................................................................................... 8
5.2 Medeverzekering............................................................................................................................ 8
1
,H13: overzicht verzekeringsproducten...............................................................................8
1. Indeling van de verzekeringen.......................................................................................8
1.1 Indeling onder begeleiding van al dan niet verplicht karakter........................................................8
1.1.1 Wettelijk verplichte verzekeringen........................................................................................... 8
1.1.2 Contractueel verplichte verzekeringen.....................................................................................8
1.1.3 Facultatieve verzekering.......................................................................................................... 8
1.2 Indeling onder begeleiding van wettelijke bepalingen....................................................................8
1.2.1 Schadeverzekering vs. Persoonsverzekering............................................................................8
1.2.2 Vergoeding van schade vs. Uitkering van vast bedrag.............................................................9
2. Schadeverzekeringen: aansprakelijkheidsverzekeringen.................................................9
2.1 Familiale verzekering = burgerlijke aansprakelijkheid privéleven = gezinspolis............................9
2.1.1 Omschrijving............................................................................................................................ 9
2.1.2 Verzekerde............................................................................................................................... 9
2.1.3 Uitsluitingen............................................................................................................................. 9
2.2 Burgerlijke aansprakelijkheid auto.................................................................................................. 9
2.2.1 Omschrijving............................................................................................................................ 9
2.3 Premie burgerlijke aansprakelijkheid auto......................................................................................9
2.4 Beroepsaansprakelijkheidsverzekering (BAV)...............................................................................10
2.5 Burgerlijke aansprakelijkheid uitbating......................................................................................... 10
2.6 Bestuurdersaansprakelijkheidsverzekering..................................................................................10
2.7 Cyberpolis..................................................................................................................................... 10
2.8 Aansprakelijkheidsverzekering architecten, aannemers en andere dienstverleners in bouwsector
........................................................................................................................................................... 10
3. Schadeverzekeringen: zaakverzekeringsovereenkomsten.............................................10
3.1 Woningverzekering = brandverzekering.......................................................................................10
3.1.1 Omschrijving.......................................................................................................................... 10
3.1.2 Verzekerde waarde................................................................................................................. 10
3.1.3 Premie.................................................................................................................................... 11
3.2 Omniumverzekering..................................................................................................................... 11
3.3 Reisverzekering............................................................................................................................ 11
3.4 Machinebreukverzekering............................................................................................................. 11
3.5 Alle-bouwplaats-risicoverzekering = ABR.....................................................................................11
3.6 Kredietverzekering....................................................................................................................... 12
3.7 Transportverzekering.................................................................................................................... 12
4. Schadeverzekeringen: rechtsbijstandsverzekeringen....................................................12
4.1 Omschrijving................................................................................................................................. 12
5. Persoonsverzekering: levensverzekering......................................................................12
5.1 Gemengde (tak 21 en/of tak 23) levensverzekering.....................................................................12
5.1.1 Tak 21-levensverzekeringen type langetermijnsparen............................................................12
5.2 Uitvaartverzekering...................................................................................................................... 13
5.3 Schuldsaldoverzekering................................................................................................................ 14
2
, 5.3.1 Omschrijving.......................................................................................................................... 14
5.3.2 Premie.................................................................................................................................... 14
5.3.3 Soorten.................................................................................................................................. 14
5.4 Schenkingsverzekering................................................................................................................. 14
5.5 Groepsverzekering....................................................................................................................... 14
5.5.1 Omschrijving.......................................................................................................................... 14
5.5.2 Fiscaliteit................................................................................................................................ 14
6. Persoonsverzekeringen: andere dan levensverzekeringen............................................15
6.1 Ziektekostenverzekering = hospitalisatieverzekering..................................................................15
6.1.1 Omschrijving.......................................................................................................................... 15
6.1.2 Premie.................................................................................................................................... 15
6.1.3 Wet op ziekteverzekeringsovereenkomsten...........................................................................15
6.1.4 Uitsluitingen........................................................................................................................... 15
6.2 Bestuurdersverzekering................................................................................................................ 15
6.3 (Reis)bijstandsverzekering........................................................................................................... 15
6.4 Ongevallen- en invaliditeitsverzekering........................................................................................ 15
6.5 Rekeningverzekering.................................................................................................................... 16
6.6 Successie- of nalatenschapsverzekering......................................................................................16
6.7 Arbeidsongevallenverzekering...................................................................................................... 16
6.8 Verzekering gewaarborgd inkomen.............................................................................................. 16
Verzekering
H12: verzekeren
Inleiding
Particulieren & bedrijven willen
zich financieel indekken tegen
eventuele risico’s
Soms zijn ze daar zelfs wettelijk
toe verplicht.
1. Indeling van verzekeringsbedrijf
1.1 Activiteiten ‘leven’
Tak 21-29
- Tak 21: levensverzekeringen met gewaarborgd rendement
- Tak 23: levensverzekeringen die verbonden zijn aan beleggingsfondsen
1.2 Activiteiten ‘BOAR’ of activiteiten ‘niet-leven’
Tak 1-18
- Brand, ongevallen, andere risico’s
2. Wet verzekeringen 4 april 2014 (BS 30/04/2014)
2.1 Situering
3
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